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Loans in Northern Ireland

If you’re living in Northern Ireland, you may feel confused about where you stand when it comes to applying for loans. We’ve created an exclusive list of lenders happy to accept applicants living in Northern Ireland.

Thankfully today, plenty of lenders offer loans online so you may not need to leave your home to apply. If you’re looking for a Northern Ireland loan, our comparison table above can be great place to start.

How will I know if a lender accepts Northern Ireland residents?

Generally, most lenders ask you to be a UK resident and if there are any exclusions, they will include this in the minimum loan requirements section or eligibility section of their site.

If you’re unsure, you can contact the lender directly and ask if they accept Northern Ireland residents. Alternatively, use our comparison table above.

Don’t apply if you’re not sure

If you’re unsure if you will be accepted because of where you live, or your credit history, then don’t apply. You could be declined and this will leave a negative footprint on your credit file and affect the likelihood of getting the cheaper loan offers on the market in the future.

It’s also important to note that no matter where you live, your credit score could hold you back from being accepted for a loan. If you know your credit score is bad, you can have a look at our bad credit comparison table.

Why don’t all lenders offer loans in Northern Ireland?

Ultimately, it all depends on if the level of demand for loans in Northern Ireland and if lenders are prepared to expand and offer their products. This is generally why the bigger banks (like Lloyds, Barclays and NatWest) are happy to offer loans to Northern Ireland residents as they have the resources to do so.

Final word

As with all financial products before applying make sure you compare your options and understand the minimum criteria for each product. You’ll be able to find each lenders minimum criteria in the table above and more extensive information along with consumer reviews in our loans library. If you don’t tick the boxes don’t apply. As always know where you stand, compare your options and Choose Wisely.

Choose Wisely is a trading style of Choose Wisely Limited and is a free to use price comparison website. Choose Wisely Limited is authorised and regulated by the Financial Conduct Authority as a credit broker not a lender, firm reference number 730574 and is registered with the Information Commissioner’s Office number Z3106681. Choose Wisely Limited is registered at Telephone House, 18 Christchurch Road, Bournemouth BH1 3NE, Company Number 07580462.